3. How should practice partners assess a retirement proposal with unequal benefits?

Why it matters: aggregate savings can conceal partner disagreement or employee costs.

Good-answer framing: separate partner tax effects, owner contributions, employee contributions, fees and liquidity. Explain who models sustained funding and adverse scenarios; a cash balance arrangement is a defined benefit plan. Department of Labor — Cash balance pension plans questions and answers

Follow-up: “What happens if one partner retires early or profits fall?”

Evidence request: anonymised partner matrix, workforce model and administrator/actuary review, without employee identifiers.

Expert quote: ____________________ Speaker/date/permission: ____________________